94709 — Alameda County, California Market Snapshot
Housing market data for zip code 94709 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$1,375,000
Days to Sell
15
Homes Sold
20
Inventory
15
Sale-to-List
125.0%
New Listings
28
Price/SqFt
$952
Pending Sales
21
Jumbo Loan Likely Needed
The median home in 94709 at $1,375,000 exceeds the 2026 conforming loan limit of $1,249,125 by $125,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 94709 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94709 are selling 25.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94709 at $1,375,000 exceeds the 2026 conforming loan limit of $1,249,125 by $125,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 94709 are set at the county level.
2026 Loan Limits — Alameda County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 94709
To purchase the median home at $1,375,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,685.
Monthly Payment
$10,685
Income Required
$457,920
Principal & Interest
$8,472/mo
Down Payment (5%)
$68,750
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94709.
Estimated Monthly Payment
$8,660
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 94709. Tell us what you're looking for.